Notice

Paytinno is not operating yet. The company is incorporated but not authorised — no services are offered or provided at this stage.

In development · Sofia, Bulgaria · 2026

Money movement, built properly.

Paytinno is preparing a European payments platform — personal and business accounts, e-money, card acceptance, and card issuing, on one ledger. Nothing is live yet, and nothing will launch before authorisation. This page is here so you know we exist.

What we plan to build
ledger/preview Not live
  1. SEPABG•• •••• ••••Accountsplanned
  2. INSTBG•• •••• ••••Accountsplanned
  3. CARD•••• •••• ••••Issuingplanned
  4. TAPTap to PayAcquiringplanned
  5. QR— — —Acquiringplanned
  6. REST/paymentsOne APIplanned
  7. HOOKwebhooksOne APIplanned
BNBAuthorisation—in prep.
services live0
fig. 01 · ledger preview · illustrativeno amounts · no accounts
Commercial Register
13 Aug 2026
UIC
208915475
Planned products
4
Languages
2EN · BG
Services live
0

01/platform

What we plan to build

Personal & business accounts

We plan dedicated euro IBANs for people and for companies — instant transfers inside the network, SEPA in and out, and multi-user access with roles on business accounts.

Acquiring

We plan card acceptance in store and online — terminals, Tap to Pay on phone, hosted checkout, payment links and QR.

Issuing

We plan physical and virtual cards on personal and business accounts, drawn on the account balance, with limits, categories and per-card controls.

One API

The plan: accounts, payments, cards and reconciliation behind a single REST API and webhooks — for merchants and for partners who resell.

Note

None of the above exists today, and none of it will be offered before authorisation is granted.

02/ledger

Transforming how value moves.

fig. 02 · one ledger · planned

Paytinno is preparing a European payments platform — personal and business accounts, e-money, card acceptance, and card issuing, on one ledger.

03Where we are

Quietly, and in the right order.

  1. 01Done

    Company formation

    P-Innovation AD was entered in the Bulgarian Commercial Register on 13 August 2026, UIC 208915475.

  2. 02In preparation

    Authorisation

    As at 13 August 2026 no application has been filed. We are preparing it with our advisers and will file it with the Bulgarian National Bank.

  3. 03Planned

    Platform build

    Core ledger, onboarding and KYB, card rails. Not started.

  4. 04Planned

    Pilot merchants

    A small first cohort of customers, merchants and partners.

04/legal

Paytinno is not carrying out any activity. The company is incorporated but is not authorised to provide payment services or e-money services. Until authorisation is granted, nothing described on this page is offered, marketed or available, and nothing here is an offer, a solicitation or a commitment to provide regulated services. Scope, timing and pricing are indicative and will change.